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Updated September 28, 2026 · SumCue Editorial Team

ERGO Group Deutschland vs TIPINSURE

ERGO Group Deutschland scores 9.3 and TIPINSURE 9.2 out of 10. Compare their differences and shared features below.
ERGO Group Deutschland

ERGO Group Deutschland

Higher score in this comparison

9.3/10
Visit
TIPINSURE

TIPINSURE

9.2/10
Visit

ERGO Group Deutschland vs TIPINSURE: the differences

ERGO Group Deutschland vs TIPINSURE
CompareERGO Group DeutschlandERGO Group DeutschlandReviewVisitVisitTIPINSURETIPINSUREReviewVisitVisit
Premium from€3.90THB 699
Insurance typesAuto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionAuto, Home, Travel, Health, Pet, Motorcycle, Critical illness
Cover limit31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg)500,000 THB
Claims channelsOnline, PhonePhone, App, OnlineCovers more
Age rangeUnder 36 (13% start bonus for young people)20-60, renewable to 64

Same on both: Provider type (Insurer), Monthly payments (Yes).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • ERGO Group Deutschland scores higher overall: 9.3 vs 9.2.
  • Insurance types: only ERGO Group Deutschland offers Life, Dental, Income protection.
  • Insurance types: only TIPINSURE offers Pet, Critical illness.
  • Claims channels: only TIPINSURE offers App.
  • Support channels: only ERGO Group Deutschland offers Email.
  • Support channels: only TIPINSURE offers Help centre.

Our verdict on each

ERGO Group Deutschland

ERGO Group Deutschland is a German insurer whose home contents policy starts at €3.90 a month, and it suits households that want motor, home, life, health and travel cover with a single provider. Monthly payments are available, and the provider is listed in the Vermittlerregister.

Read the full ERGO Group Deutschland review

TIPINSURE

TIPINSURE suits households in Thailand who want one insurer for auto, home, travel, health, pet, motorcycle and critical illness cover. Premiums start at THB 699 and can be paid monthly, though the price sits well back in the field. TIPINSURE Public Company Limited is an insurer founded in 1951.

Read the full TIPINSURE review

Score breakdown

ERGO Group Deutschland vs TIPINSURE
AreaERGO Group DeutschlandTIPINSURE
Cost9.3HigherHeadline premium of €3.90 a month undercuts the site median of €8.31, and monthly payment is available.8.9Monthly premiums start at THB 699 and pay monthly, but the insurer sits at 173 of 251 on price.
Offer9.19.2Higher
Trust9.59.5

Where each is licensed and available

ERGO Group Deutschland vs TIPINSURE
CountryERGO Group DeutschlandTIPINSURE
GermanyNot confirmed

Additional countries for ERGO Group Deutschland: 1. Additional countries for TIPINSURE: 1.

Pick ERGO Group Deutschland if, pick TIPINSURE if

Pick ERGO Group Deutschland if cost matter most.

Pick TIPINSURE if claims channels matter most.

What each covers

ERGO Group Deutschland vs TIPINSURE
Insurance typesERGO Group DeutschlandTIPINSURE
AutoYesYes
HomeYesYes
LifeYesNo
HealthYesYes
TravelYesYes
PetNoYes
MotorcycleYesYes
DentalYesNo
Critical illnessNoYes
Income protectionYesNo

Positions in our rankings

ERGO Group Deutschland vs TIPINSURE
RankingERGO Group DeutschlandTIPINSURE
Insurance18 of 62726 of 627
Health insurance7 of 20012 of 200
Car insurance6 of 27910 of 279
Home insurance6 of 25810 of 258
Travel insurance10 of 27815 of 278

Every fact side by side

ERGO Group Deutschland vs TIPINSURE
FactERGO Group DeutschlandTIPINSURE
Pricing modelMonthlyMonthly
Legal entityERGO Group AGTIPINSURE Public Company Limited
HeadquartersGermanyThailand
FoundedNot confirmed1951
Support channelsEmail, Chat, PhonePhone, Chat, Help centre

Pros and cons

ERGO Group Deutschland

Pros

  • Monthly payments are available, so a policy can start without a large upfront sum.
  • A single insurer for auto, home and life cover, so a household can place several risks in the same place.
  • Support reaches you on email, chat and phone, so chat sits alongside email and phone.

Cons

  • Email is not among its claims channels (online and phone), so a loss has to go in through the other routes listed there.
  • The provider writes for its own market of DE, so a quote comes from a single national market.
  • The young customer bonus described in Under 36 (13% start bonus for young people) narrows the saving to one age group.

TIPINSURE

Pros

  • One insurer covers auto, home, travel, health, pet, motorcycle and critical illness: auto, home and travel
  • Monthly payments are available, not yearly only
  • Claims run on phone, app and online: phone, app and online

Cons

  • The starting premium of THB 699 ranks 173 of 251, so it is not the cheapest entry price
  • Critical illness cover limit is 500,000 THB and the entry age band is 20-60, renewable to 64, which narrows who can be covered

Who each suits

ERGO Group Deutschland

Who it suits

  • Households in Germany who want motor, home and health risks with a single insurer.
  • Customers who prefer to pay monthly rather than settle the premium upfront.
  • Younger policyholders, since Under 36 (13% start bonus for young people) shows a start bonus aimed at young customers.

Who should look elsewhere

  • Readers who want an everyday account rather than a German policy: bunq starts at €0.
  • Anyone shopping the Spanish market: bunq Spain shows a premium from €0.
  • People looking for a savings product rather than cover: Linxea's premium begins at €25.

TIPINSURE

Who it suits

  • Households in Thailand insuring a car, home, pet and travel in one place
  • Drivers and motorcyclists who want monthly premiums rather than a yearly payment
  • Adults building health cover alongside a critical illness policy

Who should look elsewhere

  • Shoppers wanting the lowest entry premium, since the price ranks 173 of 251
  • Anyone seeking a protection scheme or deposit protection, as no scheme appears for this insurer

Current offers

ERGO Group Deutschland

Current offer

  • Bonus

    13% start bonus for young people on ERGO Hausratversicherung: 13%

    Granted while the policyholder has not yet reached age 36; applied automatically

    Source, checked September 26, 2026

TIPINSURE

Current offer

  • Bonus

    TIP PET BUDDY: owner pays 50%, insurer pays the other 50% of veterinary treatment: 50% co-payment on veterinary costs up to 50,000 baht

    Selected plan; 60-day waiting period for general illness; pets aged 3 months to 7 years

    Source, checked September 26, 2026

Country by country

ERGO Group Deutschland vs TIPINSURE
CountryERGO Group DeutschlandTIPINSURE
GermanyYesNo
ThailandNoYes

Questions about each

ERGO Group Deutschland

What does ERGO charge as a starting premium?+

The Hausratversicherung Smart home contents policy starts at €3.90 a month. That is below the site median of €8.31, so the entry price sits in the cheaper part of the personal insurance range on this measure, though other lines and higher cover levels cost more.

Can I pay monthly rather than in one payment?+

Yes, monthly payments are available. The home contents policy runs on a monthly model, so the premium is spread over the year instead of being settled at the outset, starting from €3.90. That suits anyone who prefers a predictable monthly amount over a larger one-off cost.

TIPINSURE

What does TIPINSURE actually insure?+

TIPINSURE covers auto, home, travel, health, pet, motorcycle and critical illness, listed as auto, home and travel. That range means motor, property and health needs can sit with one provider. It acts as an insurer in its own right, so policies are arranged with the company rather than through a broker.

How much does a TIPINSURE policy cost?+

The entry premium is THB 699 on the fire product. Across the site the median starting premium is €8.31 and the upper quartile reaches €29.72, so the real figure depends on the line and the risk. TIPINSURE ranks 173 of 251 on starting premium.

Other options to compare

ERGO Group Deutschland

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TIPINSURE

Visit